Bajaj Allianz student travel insurance review and features

Gone are the days when families had to sell off valuable assets to send a child abroad to study. The increasing number of students going to foreign shores has necessitated an increase in the number of attractive insurance plans.

A common question is “Why does my child need travel insurance when I am covering all school costs?” Well, did you stop to consider unforeseen circumstances? For example, and let’s hope this never happens, your kid may misplace his/her passport. Without this most valuable of all documents, your child could get stuck in an unknown land. 

There are many trusted names – HDFC travel insurance, ICICI travel insurance. But one of the best travel insurance plans in India is Bajaj Allianz Travel Insurance. Let’s take a look at how this plan is the best for your child.

Not every trip abroad for studies is the same. Depending on the type of coverage and premium you wish to pay, Bajaj Allianz offers various plans. Let’s examine their salient points here. They are all expertly detailed in the Bajaj Allianz Travel Insurance brochure.

You may like to read : Top Ten Travel Tips

This plan is further divided into Gold, Silver and Standard plan options, in order of descending premium and payment. It may sound complicated, but we assure you it’s not. To sum it up very easily, the only difference between these is the amount covered for medical expenses, repatriation and evacuation. All other benefits are exactly the same for each plan. Some salient benefits are:

USD 500 coverage for dental issues.

USD 10,000 against tuition fees.

USD 50,000  in the event of an accident.

USD 1,00,000 coverage for personal liability.

This plan also offers three plan options mentioned above. It covers many of the Companion plan’s categories and a two more, namely:

USD 500 for bail bond insurance.

USD 2,500 for accidental death and disability (common carrier).

 

This plan goes well and beyond the first two plans. In fact, depending on the premium you wish to pay, there are several plan options – in addition to the three in the previous plans, this plan includes Super Gold, Platinum, Super Platinum and Maximum. With options like these, you are sure to find the very best plan which suits your budget and guarantees the best protection for your precious child.

- Loss of passport – up to US$ 300

- Loss of laptop – US$ 500

- Suicide – up to US$ 2000T

*These are covered in the Platinum plan and above. 

Wondering how you can choose the best plan for you? Purchase your Travel Insurance Online in a few quick and easy steps. All you need to do is enter a few important details to get the plan which suits you. 

A few exclusions to keep in mind before purchasing this plan are:

Medical conditions that were already existing or treated before the plan was purchased.

Medical expenses after the policy has expired.

Pregnancy, childbirth and associated complications.

Alternative treatment methods. This plan covers only allopathic treatment.

Expenses incurred on spectacles, crutches, hearing aids, contact lenses, etc. 

Delayed baggage when flying into India.

Damage or loss of the insured’s passport if reasonable steps to guard it were not taken OR if it was seized by customs officials, police or other competent authority.

Bajaj Allianz understands that as a student, plans may change. They offer flexible cancellation options so that you don’t lose your money in an unforeseen circumstance.

Pre-policy date – Simply drop an email providing the policy/schedule number. Rs. 250 will apply for the cancellation.

Post policy date did not travel – Furnish proof of not travelled, photocopy/scan of all passport pages, including blank pages, the reason for cancellation, and a letter confirming the rejection of the visa if applicable.

After the policy date, insured has returned early – Bajaj Allianz will refund applicable premium, as long as there have been no claims on the policy.

The claims process is easy and simple. In fact, Bajaj Allianz offers both cashless and reimbursement claim options. 

Do ensure that you retain all documents for submission. Simply inform them via phone at 1-800-209-5858 or email at customercare@bajajallianz.co.in, and they will explain the entire process to you. 

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